| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 937113602 | BLUE SHIELD OF CALIFORNIA | $20K | — | $20K | 5.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $13K | — | $13K | 5.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $11K | — | $11K | 5.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W SHAW AVE STE A FRESNO, CA 93711 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $100 | $7K | 4.64% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W SHAW AVE STE A FRESNO, CA 93711 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $1K | $8K | 5.24% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W SHAW AVE STE A FRESNO, CA 93711 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $500 | $4K | 5.35% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 93711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE FRESNO, CA 93711 | CHOICEBUILDER | $4K | — | $4K | 9.44% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVE., SUITE A FRESNO, CA 93711 | PAN AMERICAN LIFE INSURANCE COMPANY | $150 | — | $150 | 0.39% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 937113602 | CHOICEBUILDER | $3K | — | $3K | 9.83% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 93711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 937113602 | CHOICEBUILDER | $2K | — | $2K | 9.71% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE FRESNO, CA 93711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICE | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 93711 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 93711 | VISION SERVICE PLAN | $800 | — | $800 | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 93711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICE | 1391 W. SHAW AVENUE FRESNO, CA 93711 | VISION SERVICE PLAN | $481 | — | $481 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | BLUE SHIELD OF CALIFORNIA | 86 | $1.3M |
| Dental(3 contracts) | CHOICEBUILDER | 59 | $94K |
| Vision(3 contracts) | VISION SERVICE PLAN | 48 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $23K |
| Prescription drug(3 contracts) | BLUE SHIELD OF CALIFORNIA | 86 | $878K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.